Business Details
29 Years
experience
Your Trusted Employee Benefits Partner in Springfield
Established in 1997 by Ken A. Stephens and Chance D. Potts, Employee Benefit Design has built a reputation as a trusted independent insurance agency specializing in employee benefits. Our locally owned firm combines deep industry experience with personalized service, offering comprehensive group and individual health, dental, life, disability, and retirement solutions. With a team of licensed professionals holding advanced designations, we prioritize understanding each client's unique needs to create tailored benefit packages. As a United Benefit Advisors (UBA) member firm, we leverage national resources while maintaining a community-focused approach. Our commitment to ongoing education ensures compliance expertise in evolving regulations like ACA, while dedicated producer-account manager teams guarantee proactive communication.We serve businesses of all sizes, providing access to top-tier carriers through competitive rate negotiations and technology-driven administrative tools. Our mission centers on empowering clients with transparent information to make informed decisions about benefit design, cost management, and employee wellness programs. This client-first philosophy has earned us preferred agency status with multiple insurance carriers. Through three decades of service, we've maintained a steadfast dedication to earning and preserving client trust. Our operational model emphasizes long-term partnerships built on industry expertise, technological innovation, and unwavering customer support.
Services
Health Insurance
Dental Coverage
Life Insurance
Disability Plans
Retirement Solutions
Compliance Services
Wellness Programs
Medicare Options
Flexible Spending Accounts
Worksite Benefits
Details
- Year established: 1997
Highlights and features
- We offer 27 years of specialized experience in employee benefits since 1997
- Our UBA membership provides access to national carrier networks and resources
- Dedicated producer-account manager teams ensure personalized service delivery
- All staff maintain active insurance licenses and complete continuing education
- Proactive compliance assistance with ACA, HIPAA, and ERISA regulations
Associations and certifications
- United Benefit Advisors
Services
Health Insurance
We provide comprehensive group and individual health insurance solutions tailored to business needs. Our offerings include fully insured plans and self-insured options through nationally recognized carriers. With expertise in ACA compliance and exchange programs, we help businesses navigate complex healthcare regulations while securing optimal network access and cost-effective coverage solutions for employees.
Retirement Plans
Our retirement planning services include 401(k), 403(b), and SEP IRA programs for businesses of all sizes. As registered representatives with LPL Inc., we offer qualified retirement plans with comprehensive administration support. We specialize in designing customized solutions that balance employer contributions with employee financial security goals while maintaining regulatory compliance.
Compliance Services
We provide expert guidance on ERISA, HIPAA, and ACA compliance requirements. Our services include plan document preparation, mandatory reporting assistance, and ongoing regulatory updates. With dedicated compliance tools and webinar training, we help businesses avoid penalties through proper implementation of healthcare reform mandates and benefit administration best practices.
Dental Coverage
We offer group dental insurance plans featuring preventive, basic, and major coverage options. Our network includes leading carriers like Delta Dental and Cigna, with flexible plan designs for businesses. We assist with claims analysis, carrier negotiations, and employee education to ensure comprehensive oral health protection within overall benefits packages.
Medicare Options
Our Medicare solutions include Advantage plans, Prescription Drug coverage, and Supplement insurance. Certified specialists help individuals navigate enrollment periods and coverage choices while coordinating with existing employer benefits. We provide comparative analyses of plan networks and cost structures to ensure optimal senior healthcare protection.
People
Ken A. Stephens
Partner
Co-founder with 33 years of insurance expertise, Ken holds advanced financial planning credentials. He specializes in employer benefit programs and retirement solutions while maintaining FINRA-registered advisory services through LPL Inc.
Chance D. Potts
Partner
Co-founder bringing extensive employee benefits experience, Chance focuses on strategic client relationships and program analysis. His expertise covers compliance requirements and customized benefit design for businesses of all sizes.
Charlotte Horsman
Producer
Licensed insurance professional specializing in benefit plan implementation. Charlotte assists with carrier selection, policy administration, and ongoing client support for group and individual coverage options.
Questions
What types of employee benefits do you specialize in?
We specialize in health, dental, vision, life, disability, retirement plans, and compliance services. Our offerings include both group and individual solutions with access to major national carriers.
Are you affiliated with any professional organizations?
Yes, we're a member firm of United Benefit Advisors (UBA), giving us access to enhanced resources, competitive rates, and a network of experienced benefits professionals nationwide.
How do you help with healthcare compliance?
We provide ACA compliance assistance, ERISA documentation, HIPAA privacy training, and ongoing regulatory updates through specialized tools and expert consultation services.
Can you assist with Medicare coverage options?
Yes, our certified specialists help individuals and employers navigate Medicare Advantage, Prescription Drug Plans, and Supplement insurance options for comprehensive senior healthcare solutions.
What sets your retirement plan services apart?
We offer customized 401(k), 403(b), and SEP IRA solutions with administration support from our LPL-registered advisors, focusing on both employer contributions and employee financial security.
Reviews (5)
Morgan Feldt
Jun 07, 2022
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Drew is who helped me out and he did an amazing job! No strings attached just simply there to help find what health plan best benefits you! Very happy!
Steve Hicks
May 24, 2018
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Very good people to work with and have for many years and especially Pearl Moffett who does a great job with my Medicare and Supplements.
Landon McCarter
Jan 04, 2016
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These guys have my family's health insurance. I love the service. They are very knowledgable and always help with my questions.
Richard Reding
Jan 01, 2015
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I genuinely want to thank James Nevins and Employee Benefit Design for helping me with my health insurance yesterday. Even with all of the changes to healthcare, James was extremely knowledgeable, broke down all of my options so quickly and easily, and locked me into a great plan for much less than I was expecting. I would recommend James and EBD to anyone still looking for health coverage.
Erin Gamble
Nov 05, 2013
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Mark is very knowledgeable and caring! I would trust him to work with me and my entire family- and I would highly recommend him to anyone!
